| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $4K | $1K | $2K | +187.9% |
| Broker comp per covered life | $6 | $24 | $58 | -77.1% |
| Broker comp % of premium | 0.2% | 2.3% | 4.2% | -2.1 pp |
| Retention rate | 0.5% | 0.0% | 0.9% | |
| Premium YoY % | -48.0% | 6.6% | 5.7% | -54.6 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 333 S SEVENTH STREET #1400 MINNEAPOLIS, MN 55402 | HIGHMARK | — | $34K | $34K | 0.01% |
| GALLAGHER BENEFIT SERVICES INC3 | 3600 AMERICAN BLVD W #500 BLOOMINGTON, MN 55431 | HIGHMARK | — | $858 | $858 | 0.00% |
| FOREMSKY , MARC EDWARD3 | 501 MILBETH DRIVE PITTSBURGH, PA 15228 | HIGHMARK | — | $848 | $848 | 0.00% |
| GALLAGHER BENEFIT SERVICES3 | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $188K | $277K | $466K | 4.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC. | $73K | — | $73K | 1.35% |
| GALLAGER BENEFIT SVSC INC3 | 444 LIBERTY AVE PITTSBURGH, PA 15222 | AMERICAN UNITED INSURANCE COMPANY | $89K | $53K | $142K | 8.00% |
| GALLAGHER BENEFIT SERVICES3 | — | HM LIFE INSURANCE COMPANY | $52K | — | $52K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 1.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 13 | — | $7.6M |
| HIGHMARK EIN 23-1294723 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5.7M |
| CENTRAL DATA SERVICES, INC. EIN 25-1352803 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.6M |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $470K |
| DIANE PICKLE EIN 23-1317409 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $153K |
| MARGARET BIBB EIN 23-1317409 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| MORIAH JAMROM EIN 23-1317409 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| CONSOLIDATED GRAPHICS COMMUNICATION NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1901 MAYVIEW RD BRIDGEVILLE, PA 15017 | $69K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 NONE | Actuarial; Consulting fees; Direct payment from the plan Service code 11 | — | $68K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $64K |
| WITHUMSMITH+BROWN PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Direct payment from the plan; Investment management Service code 28 | — | $49K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Investment management fees paid directly by plan Service code 15 | — | $47K |
| BREDHOFF & KAISER EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| ANNE MCFARLAND EIN 23-1317409 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $33K |
| AMERISERV TRUST & FINANCIAL SERVICE EIN 25-1689052 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $26K |
| DOCUSIGN EIN 91-2183967 NONE | Other services; Direct payment from the plan Service code 49 | — | $13K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 50,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,433 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 59,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 138,880 | $475.5M |
| Dental(3 contracts, 3 carriers) | HIGHMARK | 138,880 | $486.2M |
| Vision(3 contracts, 3 carriers) | HIGHMARK | 138,880 | $477.1M |
| Life insurance | AMERICAN UNITED INSURANCE COMPANY | 14,682 | $1.8M |
| Short-term disability | AMERICAN UNITED INSURANCE COMPANY | 14,682 | $1.8M |
| Long-term disability | AMERICAN UNITED INSURANCE COMPANY | 14,682 | $1.8M |
| Prescription drug | HIGHMARK | 138,880 | $475.5M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED INSURANCE COMPANY | 18,247 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138,880 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.